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undercut the financial security of those using them. this is about an hour. >> host: i enjoyed your book quite a bit. >> guest: thank you so much. >> host: i look for to discussing it. it was a very pleasurable read. very easy to read. and i was caught by the subtitle, exposing the dark side of a personal finance industry, which later in the book you called the personal finance and is a complex, which includes not a investment banks and brokers and financial planners, but also the financial media. seminar leaders, newsletter publishers. even include yourself in that, as a former columnist for the "l.a. times." you did their money makeover column. you include yourself as part of this complex, and you point out i think with some guilt that you are responsible for giving people an illusion of control. you talk about that throughout the book the what do you mean by that? >> guest: i'm going to backtrack. personal-finance starts in the 1930s with sylvia porter. and it's really a spinoff at of the self-help business of the 1930s to the 1930s are known for everything from hard economic times of
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